student bank account, loan, credit cards, graduate, uk, consolidation

student bank account - student loan credit cards by TheBigChoice

The Banks Most banks will fall over themselves to give you a student bank account, most of the banks will offer a student banking account package offering some incentive to join them. Banks will usually launch a new offer this will usually start in June/July and usually open to first year students only.

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Student Banking - Its Your Choice...

Most Banks and Building Societies will give student overdraft facilities, this will usually be a interest free overdraft facility which may be increased.

You will find that most banks will not start to charge interest immediately, this will give you time to get a job.

Bank websites

NatWest
Barclays
HSBC
Lloyds
Royal Bank of Scotland
Ulster Bank (NI)

www.natwest.com/graduates
www.barclays.co.uk
www.banking.hsbc.co.uk
www.lloydstsb.co.uk
www.rbos.co.uk
www.usterbank.com

Building Societies

Abbey National
Halifax

www.abbeynational.co.uk
www.halifax.co.uk

Online Banking

Smile

www.smile.co.uk

Traditionally banks will offer a variety of gifts from mobile phones, pagers, cash, book tokens, and gift vouchers or music products.

Picking a Bank

Most students in England and Wales Choose one of the big four banks, they will have branches near or on campus.

The things you need to check out are: -

Ease of getting an overdraft
Rates of interest charged on an overdraft if you go over it. The charges on authorised overdrafts & loans - these vary from bank to bank
Ease of extending limit.
Interest rates on graduate loans
What happens to your overdraft once you have graduate?
ATM machines around university, or you may be charged for using others.
Graduate Loan Amount
Credit Debit Cards what’s on offer.
What are the charges if you use another bank's cashpoint?

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